Javier Fabian

The members of the November 4th Communal Bank meet every 15 days in the lowlands of Montecristi, a city that is known for a large diversity of traditional products such as the Panama hats that are famous both within and outside of the country.

It is here that one can meet Sr. Javier. He is a hardworking young man who hopes to provide for a family of his own someday. He is 25 years old, single, and currently lives at his parents’ house.

Javier engages in trade, specifically the sale of fruit. This involves going out to the fields to collect his inventory from the farmers and taking it to a market in Manta, where people come every day to shop. He conducts this business on the weekends.

Javier also works from home making figurines out of tagua (a natural substitute for ivory). He then sells these items at the beaches of Manta, but he also travels to Ambato to sell his products to tourists and people from other places who appreciate this type of work.

This loan will be used to buy oranges and papayas, as well as tagua and other materials for making his figurines. Javier has been with the Communal Bank for one year and enjoys being a member because of the assistance the loans have provided. His dreams are to own a home and to continue working in order to have a better future.